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Households borrow 3.4% less from Irish-based banks than a year earlier

Unsecured personal lending plummets 10.6% to €17bn in year to December

According to new statistics from the Central Bank, total credit to Irish households fell by 0.8 per cent on a quarterly basis, or by 3.4 per cent in the year to December 2012, down to ¤101.9 billion. Photograph: Alan Betson